any lender do a dscr loan and add asset depletion to help with ratios

Summary of DSCR Loans with Asset Depletion Options

Yes, several lenders offer DSCR loans that allow asset depletion to help with ratios.

Below is a comparison of lenders and their DSCR programs that support asset depletion:

Lender	Program(s)	Asset Depletion Details
FundLoans	Spectrum No Ratio	Asset depletion is allowed for qualifying income. Designed for real estate investors, focusing on property cash flow.
Angel Oak	Investor Cash Flow	Asset depletion is permitted. Uses rental income to qualify without requiring employment or income disclosure.
Champions Funding	Ambassador DSCR 1-4 Unit, Accelerator DSCR 1-4 Unit	Asset depletion is allowed. Calculation: Net Qualified Assets / 60 months. Eligible assets include checking/savings, stocks, bonds, and retirement accounts. Restrictions apply to gift funds and large deposits.
Change Wholesale	Investor Program	Asset depletion is explicitly allowed to supplement income for DSCR qualification.
Deephaven	DSCR, DSCR 5-9 Unit Wholesale	Asset depletion is permitted to supplement DSCR calculations. Focuses on property income rather than personal income.
NQM Funding	Investor DSCR Program, DSCR Supreme	Asset depletion is allowed. Calculation: Net Qualified Assets ÷ 84 months. Restrictions include seasoning requirements, LTV reductions, and ineligibility for cash-out transactions.
American Heritage Lending	Invest Star, Invest Star Plus	Asset depletion is allowed under two methods: Asset Income Lift (assets divided by 120 months, max 20% of total income) and Asset Qualifier (assets divided by 60 months, minimum 110% of loan + reserves). Eligible assets include cash, savings, and retirement accounts.

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Lenders That Do Not Allow Asset Depletion for DSCR Loans

• A&D Mortgage
• Arc Home
• Loan Stream

If you'd like more details about any specific program or lender, let me know!